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enMan drains family savings to fund failing enterprisehttp://www.daily-review.com/lifestyle-columns/man-drains-family-savings-fund-failing-enterprise
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_344.jpg?itok=rI0EkxNL"><a href="/lifestyle-columns/man-drains-family-savings-fund-failing-enterprise"><span><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_344.jpg?itok=rI0EkxNL" width="140" height="100" alt="" /></span></a></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><div class="premium-message"><p>PLEASE LOG IN FOR PREMIUM CONTENT Our website requires visitors to <a href="http://www.stmarynow.com/node/19017">log in</a> to view the best local news from Morgan City and Franklin, LA. Not yet a subscriber? <a href="http://www.stmarynow.com/subscriber">Subscribe today</a>!</p>
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</ul>Fri, 02 Dec 2016 16:08:12 +0000StMaryNow.com39273 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle-columns/man-drains-family-savings-fund-failing-enterprise#commentsStay sane while sharing work space with spousehttp://www.daily-review.com/lifestyle/stay-sane-while-sharing-work-space-spouse
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/work%20from%20home_0.jpg?itok=hz_hgfRg"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/work%20from%20home_0.jpg?itok=hz_hgfRg" width="350" height="526" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>Baby boomers moving into semi-retirement or new careers often find themselves working at least some of the time from home — and maybe sharing the space with their spouse or significant other.<br />
That might entail more togetherness than a couple originally bargained for.<br />
Some delicate maneuvering and careful planning, however, can maintain peace, productivity and personal space all at once.<br />
“It’s tough, and it definitely takes some figuring to make it work, but it can also be wonderful,” said Joy Parisi, co-founder and owner of Paragraph, a working space for writers in New York City. It’s one of many shared office spaces across the country.<br />
Some tips for couples who find themselves both working from home:<br />
Set Physical Boundaries<br />
“The most important thing is to be very clear about each of your office spaces and hours, especially if you’re both going to be at home working at the same time,” said Kerry Hannon, a motivational speaker, AARP jobs expert and author of “Finding the Job You Want After 50 for Dummies.” She works from home, as does her spouse.<br />
“We each have our own offices at separate ends of the house and that definitely helps,” she said.<br />
Lori Leibovich, editor of RealSimple.com, said that if space is an issue, “designate separate office hours or take turns leaving the house.”<br />
“Ideally, though, there should be a wall between your workspaces,” she said.<br />
Other Boundaries<br />
Good fences — and separate phone lines — make good neighbors.<br />
“It’s OK to grab a coffee or lunch together, but approach it as though you were in an office, and draw those same lines of respect you would have for any other co-worker,” Hannon said. “And be sure you set up your technology so your home and office are separate entities and you don’t have to fight over a phone line. If you each have your own cell phone and can reserve your land line for home, that helps a lot.”<br />
Call a Meeting ...<br />
... or take a walk. It helps to discuss the game plan for the day or week. If you’re in the same field, you can designate brainstorming time to plan for upcoming projects, Leibovich suggests. And if you’re in different fields, but would like to have some input from your partner on something, figure out what time of day will work best and won’t interrupt anything. Many work-at-home couples say that taking a walk at some point in the day to clear the air is very helpful, Hannon said.<br />
Create Work-Free Zones<br />
It’s essential to have zones where you can focus on intimacy and leave stress-causing topics behind, said Pepper Schwartz, a relationships expert with AARP’s Life Reimagined, an online resource to help people navigate life transitions.<br />
“You need to be sure you make time and space for yourselves as a couple, and also time as individuals to do yoga or meet friends or do something for yourself, so you don’t end up working a 7-day week and feeling like you’ve lost yourself,” she said.<br />
Consider Alternatives to Home<br />
Many people who work from home are turning to various kinds of shared workspaces.<br />
“Sometimes there are just too many distractions at home. It’s like going to the gym to exercise. You could exercise at home, but if you get yourself to the gym, you know you’re going to exercise,” said Parisi.<br />
Like many shared office spaces, her Paragraph is divided into quiet workspaces and a shared social area. Because it is specialized by field, Paragraph also sponsors readings and visits by agents.<br />
While some shared workspaces around the country cater specifically to start-ups or other types of businesses, others are more general and welcome people from various fields.<br />
Compromise<br />
“It’s important to make a policy about how you share the practical tasks or take care of the kids or walk the dogs,” said Schwartz.<br />
Hannon said she had to compromise at times when her husband set up his workspace at the dining-room table instead of in his home office. Parisi said she or her husband sometimes ended up heading off to Paragraph to work when doing so at home seemed too challenging.<br />
“Anecdotally, the whole economy is moving in this direction. We’re so plugged in now that even if you work from an office, you’ll end up doing some of your work from home,” Leibovich said. “It may take some creativity, and some compromises, to get it right.”<br />
—Online:<br />
<a href="http://www.kerryhannon.com">www.kerryhannon.com</a><br />
<a href="http://www.paragraphny.com">www.paragraphny.com</a><br />
<a href="http://www.liquidspace.com">www.liquidspace.com</a></p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">By KATHERINE ROTH,
The Associated Press</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/lifestyle" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Lifestyle</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/baby-boomers" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Baby Boomers</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/work-home" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>work at home</span></a></div><div class="field-item even" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/semi-retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>semi-retirement</span></a></div><div class="field-item even" rel="dc:subject"><a href="/careers" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>careers</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/new-careers" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>new careers</span></a></div><div class="field-item even" rel="dc:subject"><a href="/home" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>home</span></a></div></div></div>Mon, 17 Oct 2016 14:38:28 +0000StMaryNow.com38514 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle/stay-sane-while-sharing-work-space-spouse#commentsFew people plan for cost of long-term carehttp://www.daily-review.com/lifestyle-columns/few-people-plan-cost-long-term-care
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/Medicare%20Robert%20Moos_1.jpg?itok=U2xIjLmR"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/Medicare%20Robert%20Moos_1.jpg?itok=U2xIjLmR" width="350" height="521" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>Long-term care can be one of the biggest expenses of retirement. Yet few people plan for it.<br />
If you’re 65, you have about a 50-50 chance of entering a nursing home at some point. The average cost of a private room now exceeds $75,000 per year, and the average length of stay is almost 2½ years. That adds up to more than $185,000.<br />
One reason people don’t give much thought to the high cost of long-term care is that they figure they won’t have to pay for it. If and when the time comes, they tell themselves, Medicare will pick up most of the tab, the same as it does for hospital stays and doctor visits.<br />
But that’s not the case. It can be a real eye-opener to discover that Medicare typically doesn’t pay for long-term “custodial care” — the kind of personal care that helps you with such day-to-day tasks as getting in and out of bed, bathing, dressing and eating.<br />
Medicare does cover some skilled nursing or rehabilitative care if a physician orders it after a hospital stay of at least three days. You pay nothing during the first 20 days of your care and then part of the cost for the next 80 days. After 100 days, you’re responsible for all bills.<br />
So, since Medicare won’t cover long-term custodial care, what are the most common options?<br />
—Private long-term care insurance. Such policies were once seen as the most promising way to finance long-term care. But sharp premium increases in recent years have made the coverage more difficult to afford. Shopping for long-term care insurance requires planning ahead. If you wait until you need it, you may not get it, since people with disabilities may not qualify.<br />
—Life savings and other personal resources. Long-term care residents often cover their expenses out of their own pockets, tapping their savings and investments or perhaps even home equity. The high cost of such care, however, can quickly exhaust those personal resources. Many people go through their nest eggs much more quickly than they had anticipated.<br />
—Medicaid. Let’s look at this option more closely, since it finances a large share of long-term care in this country. Although the program is usually seen as the state and federal safety net that provides health care coverage to the poor, it also pays for the long-term care of millions of older and disabled Americans after they have impoverished themselves.<br />
Over the years, policy-makers have debated whether the government should create a publicly-financed program specifically to help pay for the nation’s long-term care costs. In the absence of any emerging political consensus, Medicaid remains the public insurance program that most closely addresses that growing social and economic issue.<br />
As anyone requiring long-term care learns, there are strings attached to Medicaid’s assistance. You must meet stringent asset and income limits.<br />
Though the eligibility rules vary from state to state, you generally can keep no more than a home, your personal belongings, a car and a small amount of savings — often no more than $2,000. Nor can you give away assets or sell them for less than market value to qualify for Medicaid. The state will look at your financial records for the past five years to check for any improper transfers. If it finds one, your eligibility will be delayed.<br />
Also, in many states, you can have only a meager income. Long-term care residents who have been approved for Medicaid coverage must contribute much of their income — such as from Social Security or a pension — toward the cost of their care, after deducting a small allowance for personal needs, the cost of health care insurance premiums and, for couples, an allowance for at-home spouses.<br />
And finally, after you die, Medicaid has the right to seek reimbursement from your estate for what it has spent on your long-term care.<br />
As you can see, there are no easy answers when it comes to covering the cost of long-term care. But learning now about your options will pay off if and when the day arrives that you can’t look after yourself.<br />
To find out more, you may want to consult a financial adviser or retirement planner. You also should consider visiting with a counselor from your state’s Health Insurance Assistance Program. In Louisiana, the number is 1-800-259-5300.</p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">By BOB MOOS,
Southwest public affairs officer, U.S. Centers for Medicare &amp; Medicaid Services</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/lifestyle" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Lifestyle</span></a></div><div class="field-item odd"><a href="/columns-1" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Columns</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/long-term-care" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Long-term care</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div><div class="field-item even" rel="dc:subject"><a href="/medicare" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Medicare</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/cost" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>cost</span></a></div><div class="field-item even" rel="dc:subject"><a href="/medicade" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Medicade</span></a></div></div></div>Wed, 07 Sep 2016 16:15:00 +0000StMaryNow.com37850 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle-columns/few-people-plan-cost-long-term-care#comments5-time All-Pro Kevin Williams to retire with Vikingshttp://www.daily-review.com/sports-nfl/5-time-all-pro-kevin-williams-retire-vikings
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/nfl-logo.gif?itok=SM8Ik6II"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/nfl-logo.gif?itok=SM8Ik6II" width="350" height="468" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>EDEN PRAIRIE, Minn. (AP) — The Minnesota Vikings have signed five-time All-Pro defensive tackle Kevin Williams to a one-day contract so he can formally retire as a member of the team. The Vikings announced the news Wednesday.<br />
Williams will finalize his retirement today after 13 seasons, including 11 with Minnesota.<br />
Taken with the ninth pick in the 2003 draft by the Vikings from Oklahoma State, Williams is eighth in team history with 60 sacks. His 171 regular-season starts are the most all time by a Vikings defensive tackle, and his five interceptions are tied for the most by a defensive tackle in NFL history. Williams played for NFC champion Seattle in 2014 and New Orleans in 2015. He was picked for six Pro Bowls.<br />
—AP NFL website: <a href="http://www.pro32.ap.org">www.pro32.ap.org</a> and AP NFL Twitter feed: <a href="http://www.twitter.com/AP_NFL">http://www.twitter.com/AP_NFL</a></p>
</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/sports" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Sports</span></a></div><div class="field-item odd"><a href="/nfl" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>NFL</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/kevin-williams" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Kevin Williams</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/saints" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Saints</span></a></div><div class="field-item even" rel="dc:subject"><a href="/vikings" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Vikings</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/retire" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>retire</span></a></div><div class="field-item even" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/nfl-0" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>NFL</span></a></div></div></div>Thu, 28 Jul 2016 18:10:59 +0000StMaryNow.com37152 at http://www.daily-review.comhttp://www.daily-review.com/sports-nfl/5-time-all-pro-kevin-williams-retire-vikings#commentsWife of critical husband must create own spacehttp://www.daily-review.com/lifestyle-columns/wife-critical-husband-must-create-own-space
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_190.jpg?itok=p7Lp7W98"><a href="/lifestyle-columns/wife-critical-husband-must-create-own-space"><span><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_190.jpg?itok=p7Lp7W98" width="140" height="100" alt="" /></span></a></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><div class="premium-message"><p>PLEASE LOG IN FOR PREMIUM CONTENT Our website requires visitors to <a href="http://www.stmarynow.com/node/19017">log in</a> to view the best local news from Morgan City and Franklin, LA. Not yet a subscriber? <a href="http://www.stmarynow.com/subscriber">Subscribe today</a>!</p>
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</ul>Mon, 18 Apr 2016 15:11:00 +0000StMaryNow.com35289 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle-columns/wife-critical-husband-must-create-own-space#commentsManning jokes, chokes up during retirement remarkshttp://www.daily-review.com/nfl/manning-jokes-chokes-during-retirement-remarks
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/football_586.jpg?itok=Gm9LC6Bv"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/football_586.jpg?itok=Gm9LC6Bv" width="350" height="525" alt="" /></div></div></div><div class="field field-name-field-dateline field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">ENGLEWOOD, Colo. — </div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>Peyton Manning got through the weekend thanks to hundreds of texts and calls from men he played against or alongside over his unparalleled 18-year NFL career.<br />
He had to crack a few jokes to help fight back the tears at his retirement news conference Monday, when the words didn’t always come as easy as the emotions.<br />
His voice cracking, especially when he mentioned his hero, Johnny Unitas, Manning said goodbye to the game he loved in an auditorium packed with friends, family and laughter.<br />
Manning, who turns 40 this month, said the timing was simply right to call one last audible one month after winning his second Super Bowl trophy.<br />
“I thought about it a lot, prayed about it a lot ... it was just the right time,” Manning said. “I don’t throw as good as I used to, don’t run as good as I used to, but I have always had good timing.”<br />
Manning came to Denver on March 20, 2012, for the chance to win another title in the twilight of his career. General manager John Elway had the blueprints.<br />
Four years later, he hobbles away a champion, just like his boss did 17 years ago.<br />
Manning is going golfing later this week with brothers Cooper and Eli — whose trip to Denver Monday morning was scuttled by a stomach bug.<br />
Manning plans to travel to Indianapolis later this month for a lower-key goodbye, nothing like this one, and said he’ll still participate in his family’s annual passing academy this summer.<br />
Aside from that, it’s anybody’s guess.<br />
Maybe a front office or a broadcast booth beckons. He hasn’t ruled out anything other than this: he and his wife and 5-year-old twins won’t be moving out of Denver. They love it here.<br />
“I’m totally convinced that the end of my football career is just the beginning of something I haven’t even discovered yet,” Manning said. “Life is not shrinking for me; it’s morphing into a whole new world of possibilities.”<br />
Monday wasn’t a day to ahead but a time to take stock.<br />
“When I look back on my NFL career, I’ll know without a doubt that I gave everything I had to help my teams walk away with a win,” Manning said. “There were other players who were more talented, but there was no one could out-prepare me, and because of that I have no regrets.”<br />
Elway thanked Manning for coming to Colorado, saying he made his own job easier, noting that with Manning living here, free agents were basically asking Elway “where do I sign?”<br />
It was through the eyes of a former QB and not those of a GM that Elway really enjoyed watching Manning, however.<br />
“Peyton Manning revolutionized the game,” Elway said. “We all used to think a no-huddle was a fast pace, get to the line of scrimmage and get people off-balance. Peyton revolutionized it, and you know what, we’re going to get to the line of scrimmage, take our time, I’m going to find out what you’re doing and then I’m going to pick you apart.<br />
“I can’t tell you how many times I said, ‘Dang, why didn’t we think of that?’”<br />
Manning went 50-15 in Denver, leading the Broncos to four AFC West titles, two Super Bowl trips, one championship, and in 2013 guided the highest-scoring offense in league history. All after retraining himself to throw following a series of neck fusion surgeries forced him to miss the 2011 season and he was cut by the Colts.<br />
Former Colorado Rockies slugger Todd Helton, Manning’s teammate at Tennessee in the 1990s, once told the story about how Manning’s right arm was so shot after his neck operations that he thought Peyton was goofing around when he threw a football and it fluttered like a wounded duck.<br />
“He had nothing,” Helton recounted. “But I knew he’d come back and be Peyton Manning again because nobody else works that hard.”<br />
Manning revealed last summer he still had no feeling in the fingertips of his right hand, and yet he threw 140 of his NFL-best 539 TD passes for the Broncos, including a record 55 in 2013.<br />
Team president Joe Ellis told Manning, “If there is a list of achievements needed to attain greatness, you’ve checked every box.”<br />
Elway was equally emotional when he walked away from the game after winning his second championship in 1999, and on Monday he said, “Having been through it, I know it’s a hard day for him.”<br />
Indeed, Manning choked up several times, especially when he listed all the things he’d miss about football: deciphering defenses; the flights home after a big win; his teammates.<br />
Coach Gary Kubiak recounted Manning’s journey through six weeks of rehab and his return to the field in leading Denver to a comeback victory over the Chargers in the regular-season finale that secured the AFC’s top seed.<br />
“I know it was tough, and you were special along the way,” Kubiak said, turning to the five-time MVP. “So, it was only nine months for me, but I’ll remember it for a lifetime.”<br />
Manning revealed after the news conference he had an “orthotics guru” who had also helped other NFL QBs take up shop in his garage last November to fit him with some orthotics that helped him get back on the field. He added the torn ligament near his left heel feels fine and won’t require surgery in retirement.<br />
He informed Elway, Kubiak and Ellis of his decision to retire Saturday. The move gives the Broncos $19 million in cap space to try to sign several of their free agents, including Manning’s heir apparent, Brock Osweiler.<br />
Manning also called each of the other coaches he played for: Jim Mora, Tony Dungy, Jim Caldwell and John Fox.<br />
He also called Bill Parcells, Tom Brady, Bill Belichick, Tom Moore, Jim Irsay, Wes Welker, and Brandon Stokley. Then, he group-texted some former teammates with the Colts and Broncos, his high school buddies and his college pals.<br />
He texted coaches he played against, telling them all they’d been a part of his football life.<br />
All of the responses and conversations “kind of helped me through the last day and a-half,” Manning said.<br />
Manning refused to let anything dampen his big day, declining to address in detail a recent rehashing of a sexual harassment claim from his days at Tennessee.<br />
“This is a joyous day,” he said, “and nothing could overtake this day.”<br />
Earlier, reciting from Scripture, he said, “I have fought the good fight and I have finished the race.”<br />
“Well, I’ve fought a good fight,” Manning said. “I’ve finished my football race and after 18 years, it’s time.”</p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">By ARNIE STAPLETON AP Pro Football Writer</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/nfl" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>NFL</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/peyton-manning" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Peyton Manning</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div><div class="field-item even" rel="dc:subject"><a href="/football" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Football</span></a></div></div></div>Tue, 08 Mar 2016 20:15:27 +0000Geoffrey Stoute34568 at http://www.daily-review.comhttp://www.daily-review.com/nfl/manning-jokes-chokes-during-retirement-remarks#commentsFor some, desire to work past 65 can often be problematic http://www.daily-review.com/lifestyle/some-desire-work-past-65-can-often-be-problematic
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/back%20pain.jpg?itok=DVArq7e2"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/back%20pain.jpg?itok=DVArq7e2" width="350" height="495" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>YPSILANTI, Mich. — Earl Johnston was 12 when he got his first job, a paper route that he quickly expanded by “buying out” additional routes from other, less industrious boys.<br />
After high school, he enrolled in a program to become an industrial electrician.<br />
“With that journeyman’s card in my back pocket, I had never had trouble finding work — ever,” he said.<br />
Like many people in the prime of their working life Johnston, now 56, always thought he would have plenty set aside for retirement, and if he didn’t, he could always work a little longer. “At least up to 65,” he thought.<br />
What Johnston didn’t plan for was the degenerative spinal condition that made being on his feet for a 12-hour shift all but impossible.<br />
“I could be making lots and lots of money right now, but nobody in manufacturing is going to hire a 50-something guy who can’t stay on his feet,” he said.<br />
Johnston’s story might be chalked up to simple bad luck. But it serves as an example of the rapidly changing expectations that seniors have for being able to work well past traditional retirement age, and in some cases, dismissing the idea of retirement altogether.<br />
According to the 2015 Employment Benefit Research Institute Confidence Survey, the percentage of workers aged 25 and over who planned on working past 65 has increased steadily from 11 percent in 1991 to 36 percent in 2015.<br />
But those expectations aren’t always achievable.<br />
The University of Michigan Health and Retirement Study found that 37 percent of respondents didn’t reach the retirement age they had set when they were 58.<br />
“The first, and maybe the most obvious explanation people give for early retirement is health,” said Boston College research economist Geoff Sanzenbacher, co-author of a working paper investigating causes for this mismatch between retirement expectations and reality.<br />
“People don’t fully grasp how big an impact health has on your ability to work. You may be 58 and have some arthritis, but you don’t fully appreciate how much that could affect you going forward.”<br />
The second most common reason was layoffs or business closings, followed by familial factors, such as a spouse retiring, he said.<br />
The average retirement age has been inching up for years now. People are living longer, tend to be more educated and have better access to white collar jobs that don’t require a lot of manual labor. Women are also reaching older age with more skills and longer work histories than their mothers and grandmothers.<br />
Even as roughly two-thirds of workers do make it to the age they planned to retire, a report by the Hamilton Project at Brookings Institution suggests that a growing percentage of them are entering retirement on shaky financial footing.<br />
There’s also the perception that working longer is the best way to bridge the gap between retirement needs and resources.<br />
“It’s become a kind of Band-Aid solution to growing concerns many workers have about retirement readiness,” says Ruth Davis Konigsberg, a contributor to Money.com and a director at Arden Asset Management.<br />
“In some cases, working longer can help, and there certainly are other benefits to working longer, but we can’t just extend our working lives indefinitely. There is just too much uncertainty in that scenario.”<br />
2018 was going to be a banner year for Karen Hoffmann, 64. That was the year the mortgage on her St. Louis home would be paid off, and she and her husband were planning to retire.<br />
But Hoffman received notice late in 2015 that she was being let go from her job as a senior trainer for Verizon.<br />
“Right now we just have to re-evaluate,” she says. “Originally we thought we could go South for the winter for a month or two, now I don’t think we’ll be able to do that.”<br />
Between their savings and Social Security, Hoffmann estimates that she might have enough money to retire a few years early. Still, the prospect of unforeseen health care costs is unnerving. And, if she does take a new job, for less pay, she worries it would change her future Social Security payouts.<br />
“Do I go look for a job? Part of me says yes, but I honestly don’t know,” Hoffmann said.<br />
“Could I fill up my time with retirement? Sure. I have two grandkids. In that respect, being retired would be nice. But, I don’t think I’ll ever be ready for the financial side of things.”<br />
Online:<br />
ERBI survey: <a href="http://www.ebri.org/surveys/rcs/">www.ebri.org/surveys/rcs/</a><br />
University of Michigan Health and Retirement Study: <a href="http://hrsonline.isr.umich.edu/">http://hrsonline.isr.umich.edu/</a><br />
EDITOR’S NOTE — Adam Allington is studying aging and workforce issues as part of a 10-month fellowship at The Associated Press-NORC Center for Public Affairs Research, which joins NORC’s independent research and AP journalism. The fellowship is funded by the Alfred P. Sloan Foundation.</p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">By ADAM ALLINGTON
For The Associated Press</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/lifestyle" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Lifestyle</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/work" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>work</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div><div class="field-item even" rel="dc:subject"><a href="/disabled" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Disabled</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/unable" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>unable</span></a></div></div></div>Thu, 18 Feb 2016 17:00:16 +0000StMaryNow.com34222 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle/some-desire-work-past-65-can-often-be-problematic#commentsTweet from Lynch indicates possible retirement for RBhttp://www.daily-review.com/nfl/tweet-lynch-indicates-possible-retirement-rb
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/football_575.jpg?itok=9J8Pq_RN"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/football_575.jpg?itok=9J8Pq_RN" width="350" height="525" alt="" /></div></div></div><div class="field field-name-field-dateline field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">SEATTLE —</div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>Marshawn Lynch was at the center of attention in the fourth quarter of the Super Bowl on Sunday night.<br />
Except this time, Lynch may have given the surest sign he’s on the verge of retirement.<br />
Lynch, the mercurial Seattle Seahawks running back, sent a tweet during the fourth quarter of Sunday’s game with a pair of cleats hanging from a power or telephone line, along with an emoji depicting a peace sign. It certainly wasn’t a definitive statement that Lynch is ready to call it a career, but fit with mounting evidence that the bruising running back is ready to move on from football.<br />
The Seahawks official Twitter account later added the hashtag #ThankYouBeastMode to Lynch’s original message and a spokesman said the tweet stood as the team’s comment.<br />
Lynch’s teammates in Seattle took Lynch’s message as a retirement statement. Russell Wilson, Doug Baldwin, Bruce Irvin, Paul Richardson and Richard Sherman were among the many teammates to pay tribute to Lynch on social media.<br />
“Honor playing with one of the best running backs of all time!” Wilson, Seattle’s quarterback, said on Twitter. “Going to miss sharing the backfield with you 24.”<br />
“Salute to my guy @MoneyLynch ... It was an honor sharing the field with you,” Sherman wrote on Twitter.<br />
“To one of the greatest teammates I’ve ever had the pleasure of suiting up with. Salute. #Beastmode,” Baldwin posted on Instagram.<br />
Seahawks owner Paul Allen replied to the team’s statement on Twitter and thanked Lynch for “a great career as a Seahawk. So many memorable runs and quakes!”<br />
Lynch’s mother, Delisa Lynch, also posted a message to Twitter saying, “When one door closes God opens another one even better thank you Jesus!!!!!”<br />
Messages left for Lynch’s representatives were not immediately returned.<br />
The tweet from Lynch also backed statements from Jan. 22 by Seattle general manager John Schneider in a pair of radio interviews that indicated Lynch was leaning toward retirement. Schneider said in separate interviews with two Seattle radio stations that he believes Lynch is leaning toward calling it a career after an injury-filled 2015 season.<br />
Schneider first appeared on KIRO-AM, the team’s flagship station, saying the team was going to give Lynch time and leeway to decide what he wants to do, but added he was “under the impression” Lynch was leaning toward retirement.<br />
Later on KJR-AM, Schneider hedged his comments slightly, but reiterated that he thought Lynch was considering stepping away.<br />
“I really, honestly don’t know at this point,” Schneider said on KJR. “If you put a gun to my head I would say he is leaning toward retirement. But I think with Marshawn you never really know. He’s a fierce competitor. We just have to handle it the right way in terms of showing him as much respect as we possibly can for everything he’s done for this organization.”<br />
ESPN reported earlier Sunday without identifying its sources that Lynch had been telling close friends he was planning to retire.<br />
Lynch will turn 30 in April and is coming off an injury-plagued 2015 season where he was limited to just seven games in the regular season and one of Seattle’s two playoff games. Lynch was bothered by hamstring and calf issues early in the season and later missed the final seven regular-season games with an abdominal injury that required surgery. Lynch returned for the NFC divisional playoff game at Carolina but was mostly a non-factor with the Seahawks falling behind 14-0 in the opening moments of the loss.<br />
Lynch was limited to just 111 carries and 417 yards in the regular season, the first season of his career where injuries have been a significant factor.<br />
Lynch would have cost the Seahawks $11.5 million against the salary cap for the 2016 season, a massive number for a running back of his age, but Schneider had indicated changes would be needed if Lynch wanted to return.<br />
Now that doesn’t appear it will be an issue.</p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">BY TIM BOOTH, AP Sports Writer</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/nfl" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>NFL</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/marshawn-lynch" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Marshawn Lynch</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/seattle-seahawks" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Seattle Seahawks</span></a></div><div class="field-item even" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div></div></div>Mon, 08 Feb 2016 22:02:49 +0000Geoffrey Stoute34029 at http://www.daily-review.comhttp://www.daily-review.com/nfl/tweet-lynch-indicates-possible-retirement-rb#commentsBrodie stepping down from football posthttp://www.daily-review.com/sports-high-school-sports/brodie-stepping-down-football-post
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/Berwick-Brodie-stepping-down-3-col.jpg?itok=orXXimhj"><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/medium/public/field/image/Berwick-Brodie-stepping-down-3-col.jpg?itok=orXXimhj" width="350" height="377" alt="" /><blockquote class="image-field-caption">
<p>Berwick High School coach Craig Brodie walks the sidelines during a 2014 game against Franklin. Brodie announced he would be retiring at the end of the school year. (The Daily Review/Harlan Kirgan)</p>
</blockquote>
</div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>Berwick Football Coach Craig Brodie announced this week that he is relinquishing his post as head football coach and will retire at the end of the school year.<br />
Brodie told The Daily Review he will reach the retirement age of 55 on March 10.<br />
“This is my 32nd year,” he said. “I just felt like this was the right time to do it.”<br />
Brodie said he would finish out the school year, including his role as athletic director.<br />
“The faculty has been unbelievable, and the kids are great and got a lot of support from a lot of parents,” he said of his time at Berwick.<br />
He thanked Berwick Principal Buffy Fegenbush, too.<br />
“Without her help, things we got accomplished wouldn’t have ever happened,” he said. “I think I’ve left it better than I found it, which is the goal of everybody. I wish that we could have … took the next step, but I think that the foundation that we laid, that’s going to be accomplished very soon.”<br />
Brodie, who was hired in 2011, compiled an 8-41 record at Berwick in five year, nearly made the postseason this year,<br />
falling to North Vermilion in a must-win finale and concluding the season with a 3-7 mark.<br />
“I think whoever comes in, they’re going to have a good group of coaches, a good group of kids to take that next step,” Brodie said.<br />
Fegenbush said she was “extremely appreciative” of his work with the program.<br />
“I’ve been here for 14 years and have seen a lot of different approaches to our children, and while he has been here, our numbers have more than doubled, our students stay for the whole duration of<br />
their four years,” she said. “They become committed to the program, and it’s nice to see that. Committed to him as a head coach. For us, it’s bittersweet. It’s always sad to lose a valued member of your school family, but I’m happy for him and his family that he’s going to have this time now to enjoy his extra time a little more often.”<br />
As for the timeline for a replacement, Fegenbush said she planned to begin accepting applications today and will be doing so until Feb. 26.<br />
“Then we will begin the interview process from there,” she said.</p>
</div></div></div><div class="field field-name-field-kicker field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even">By GEOFF STOUTE, gstoute@daily-review.com</div></div></div><div class="field field-name-field-section field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Section:&nbsp;</div><div class="field-items"><div class="field-item even"><a href="/sports" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Sports</span></a></div><div class="field-item odd"><a href="/high-school-sports" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>High School Sports</span></a></div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Tags:&nbsp;</div><div class="field-items"><div class="field-item even" rel="dc:subject"><a href="/craig-brodie" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Craig Brodie</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/berwick-high-school" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Berwick High School</span></a></div><div class="field-item even" rel="dc:subject"><a href="/football" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Football</span></a></div><div class="field-item odd" rel="dc:subject"><a href="/retirement" typeof="skos:Concept" property="rdfs:label skos:prefLabel" datatype=""><span>Retirement</span></a></div></div></div>Fri, 05 Feb 2016 18:40:14 +0000Geoffrey Stoute34006 at http://www.daily-review.comhttp://www.daily-review.com/sports-high-school-sports/brodie-stepping-down-football-post#commentsWife’s retirement jitters need adjustment therapyhttp://www.daily-review.com/lifestyle-columns/wife%E2%80%99s-retirement-jitters-need-adjustment-therapy
<div class="field field-name-field-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even" rel="og:image rdfs:seeAlso" resource="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_114.jpg?itok=jOp-TA5x"><a href="/lifestyle-columns/wife%E2%80%99s-retirement-jitters-need-adjustment-therapy"><span><img typeof="foaf:Image" src="http://www.daily-review.com/sites/stmarynow.com/files/styles/teaser/public/field/image/Dear-abby-for%20FACEBOOK_114.jpg?itok=jOp-TA5x" width="140" height="100" alt="" /></span></a></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><div class="premium-message"><p>PLEASE LOG IN FOR PREMIUM CONTENT Our website requires visitors to <a href="http://www.stmarynow.com/node/19017">log in</a> to view the best local news from Morgan City and Franklin, LA. Not yet a subscriber? <a href="http://www.stmarynow.com/subscriber">Subscribe today</a>!</p>
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</ul>Tue, 15 Dec 2015 16:46:21 +0000StMaryNow.com32956 at http://www.daily-review.comhttp://www.daily-review.com/lifestyle-columns/wife%E2%80%99s-retirement-jitters-need-adjustment-therapy#comments